Life Insurance

 Life insurance is simple. You make reoccurring payments (your premium), and we pay a set amount of money, tax-free, to whoever you choose (your beneficiaries), including your favorite charities if you want, when you pass away. 

 Life insurance helps cover expenses like a mortgage, debts, your kids' tuition, even replacing lost income when you're no longer here. Depending on the type you get, it can be the foundation for a sound financial plan and help with expenses during your life. 

 Life insurance offered through your employer usually won't give you the coverage amount you may need, and the rates may go up year after year costing you more over time. Plus, if you ever leave your job, you can't take your coverage with you. 

 You may be eligible for an exclusive underwriting process that uses the power of data to speed up decisions and eliminate the need for detailed medical records so you can get your life insurance application approved as soon as the same day. 

 There are many factors that can affect the cost of an insurance policy. That's why we value working with you to fully understand your situation, needs, and budget, to recommend the best options for you. In general, what you pay monthly (or yearly) will depend on things like the type and amount of life insurance you get, your age, health, and if you decide to add any riders that might make sense for your situation and goals.

 Be protected your entire life and build cash value that's guaranteed to grow no matter which way the markets go. Use it for anything like helping to pay for your kids' college, upgrading your home, expanding your business, or as additional retirement income. 

 Have coverage that lasts your whole life and gives you more flexibility now and down the road—letting you change your payment amount (premiums) and schedule to fit your life and budget, while still giving you benefits you can use throughout your life. 

 This is the simplest way to get started with life insurance. Term life covers you for a set amount of time such as 10, 15, or 20 years, and once that term ends, so does your policy. But if your needs change along the way, you'll have an opportunity to switch to lifelong coverage.